Cheapest 2001 Subaru Legacy Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Looking for lower car insurance rates for your Subaru Legacy? Are you confused by the number of car insurance choices? Lot’s of other consumers are too. Drivers have so many options available that it can quickly become a ton of work to find the lowest price.

You need to do rate comparisons once or twice a year because prices change quite often. Just because you had the lowest price on Legacy coverage on your last policy the chances are good that you can find a lower rate today. Don’t believe everything you read about car insurance online but we’re going to give you the easiest ways to reduce your car insurance bill.

The purpose of this article is to let you in on how to get online quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to save some money using this information. Although vehicle owners must comprehend the way insurance companies price insurance differently.

Free Car Insurance Quotes

There are several ways to compare rate quotes from different insurance companies. The simplest method to find the lowest 2001 Subaru Legacy rates is to use the internet to compare rates. This can be done in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do boring form submissions for each company. Just one form will return quotes direct from many companies. This is perfect if you don’t have a lot of time.

A less efficient way to get quotes online requires visiting the website of each company to complete their respective quote request forms. For examples sake, let’s say you want to compare rates from Liberty Mutual, Allstate and Progressive. You would have to visit each site to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make absolute certain that you use exactly the same quote information with every price quote. If each company quotes differing limits it’s not possible to decipher which rate is best. Having just a slight variation in coverages can make a big difference in price. And when price shopping your coverage, comparing more company’s prices helps you find the best price.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically at the time of quoting, but some must be specifically requested before being credited.

  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on Legacy coverage than less cautious drivers.
  • Sign Online – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • Government Employees – Active or retired federal employment can save as much as 8% on Legacy coverage with select insurance companies.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Discount for Switching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.

Drivers should understand that most discount credits are not given the whole policy. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any amount of discount will cut your premiums.

For a list of providers offering insurance coverage discounts, click this link.

Subaru Legacy insurance rates are influenced by…

It’s important that you understand the rating factors that help determine your insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

The following are a few of the “ingredients” companies use to determine premiums.

  • The more you drive the more you pay – The more you drive every year the higher your rates will be. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Legacy can cost quite a bit. Make sure your insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Allowing your policy to lapse raises rates – Driving without insurance is against the law and insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time. You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Small claims can cost you – If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance companies award lower rates to drivers who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Your age impacts your rates – Teenage drivers are statistically proven to be careless and easily distracted when driving so insurance rates are higher. Parents adding a teenage driver to your policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and are safer drivers.

Everyone needs different coverages

When choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions might point out if you would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • What exactly is covered by my policy?
  • If my pet gets injured in an accident are they covered?
  • Is my teenager covered with friends in the car?
  • Is a blown tire covered by insurance?
  • What is the rate difference between pleasure use and commuting?
  • What can I do if my company denied a claim?
  • Do I need added coverage for expensive stereo equipment?
  • Am I missing any policy discounts?
  • Is motor club coverage worth it?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance 101

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

Liability insurance will cover damage that occurs to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision coverage

This coverage covers damage to your Legacy caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like rehabilitation expenses, ambulance fees, funeral costs and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Subaru Legacy.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Quote more, save more

When buying insurance coverage, never buy less coverage just to save a little money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Insureds switch companies for a variety of reasons including unfair underwriting practices, poor customer service, denial of a claim or questionable increases in premium. Whatever your reason, choosing a new company can be easier than you think.

Budget-conscious 2001 Subaru Legacy insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and these smaller companies work with independent agents.

Additional information is available at the links below

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest auto insurance rates for a 2001 Subaru Legacy in 2023?

To find the cheapest auto insurance rates for a 2001 Subaru Legacy, you can use the internet to compare rates. There are a couple of different ways to do this. One way is to use a comparison rater form that allows you to enter your information once and receive quotes from multiple companies. Another way is to visit the websites of different insurance companies and complete their respective quote request forms. Make sure to use the same quote information with every price quote to accurately compare rates.


Are there any discounts available to lower my Subaru Legacy insurance rates?

Yes, there are discounts available that can help reduce your Subaru Legacy insurance rates. Some discounts are automatically applied at the time of quoting, while others need to be specifically requested. It’s important to note that most discount credits are not given for the whole policy but rather cut specific coverage prices like comprehensive or medical payments. To find out which discounts are available, you can check with insurance providers or use online resources that provide a list of providers offering insurance coverage discounts.

What factors influence Subaru Legacy insurance rates?

Several factors can influence Subaru Legacy insurance rates. Insurance companies consider factors such as the driver’s age, driving record, location, the model and year of the vehicle, coverage limits, deductibles, and the desired coverage options. Each insurance company may weigh these factors differently when determining premiums. It’s important to understand these rating factors as they can affect the cost of your insurance coverage.

How often should I compare auto insurance rates for my Subaru Legacy?

It’s recommended to compare auto insurance rates for your Subaru Legacy at least once or twice a year because prices change frequently. Even if you had the lowest price on your last policy, there’s a good chance you can find a lower rate today. By comparing rates regularly, you increase your chances of finding the best price and potentially saving money on your car insurance bill.

What coverages should I consider for my Subaru Legacy?

The coverages to consider for your Subaru Legacy depend on your needs:

  • Liability coverage: Required coverage that pays for damage to people or other property in an accident.
  • Collision coverage: Covers damage to your vehicle from a collision.
  • Comprehensive coverage: Pays for damage from events other than collision, like theft or natural disasters.
  • Medical payments coverage and Personal Injury Protection (PIP): Provide coverage for medical expenses.
  • Uninsured/underinsured motorist coverage: Protects you and your vehicle when other motorists are uninsured or lack sufficient coverage.

The right coverages and limits depend on your circumstances. Consulting with an insurance agent can help determine the best options for your Subaru Legacy.

How can I contact an insurance agent for assistance?

If you need assistance or have specific questions about your insurance needs, you can contact an insurance agent. You can typically find contact information for insurance agents on their respective websites or by using online directories. It’s recommended to reach out to agents who are licensed in your state and specialize in auto insurance. They can provide personalized guidance and help you navigate the insurance process.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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